So you want to shop online (with credit), but you have a poor credit history?

You’ll find here the exact UK catalogues that offer credit shopping for people with bad credit history.

If you’ve been browsing around the internet, you will know that no credit check catalogues are hard to find. Most companies perform rigorous credit checks before opening a line of credit to their customers. So what are your options?

This is the good news:

Some companies realized that there is a growing market of people who would make great customers, if only they were allowed to shop! So instead of complying with credit check bureaucracy, they simply ask you to provide your recent banking statements. As long as you have a steady income, you’ll be allowed to shop with credit.

You’ll find these UK catalogues right here, specifically made for people with bad credit.

Many UK Catalogues have amazing financing options, allowing you to spread the cost of your purchases over weekly or monthly payments.

While the catalogues we will refer you to will work for most people (even people with bad credit history), they still do perform credit checks. If you are looking specifically for a UK Catalogue that will not perform any credit check, then you can view the selected catalogues in our private list. Many of the finance options available to our users can also be used to travel to exotic places. For example, New Zealand makes for a fabulous getaway in the southern hemisphere that is known to attract many british tourists. The friendly people of New Zealand have multiple options to make travelling convenient, such as car rental services in Auckland, which is the biggest city in the country. However, if your needs are more urgent, you may want to check out this article on how to access payday loans.

Payment Options

These catalogues offer a number of different payment options. You can pay using your credit card, or a direct debit from your bank account. You also have the option of spreading the cost through weekly or monthly payments.

Credit Costs

Ok, let’s get it out of the way. Are you likely to pay higher interest rates than you would pay with catalogues with stringent credit policies? Very likely, yes. However, this is simply what you have available for you at the time. Also, think about this: you can use this type of financing to build back your credit history, and this will allow you to apply for credit elsewhere in the future.

Am I Going to Qualify? Really?

As long as you have a steady income that you can prove by showing your bank statements, you are extremely likely to qualify. They just want to know that you are earning a constant source of income. So even if you have bad credit and been turned down from other shopping catalogues before, you will be able to shop with credit here.

For people with bad credit a no credit check payday loan is a great option. There are a number of things that can happen that cause a person’s credit to go bad, and many times it’s no fault of their own. Banks don’t really care, they basically go off the credit report numbers and this makes it extremely hard for the individual to get any sort of financing. So, lets find out what it takes to get a approved for a payday loan.

Payday Loan Qualifications

There are three basic qualifications for payday loans:

Applicant has to be 18 years or older.

Generally has to have verifiable income making $800.00 a month or more.

Generally needs a checking account.

Bad Credit OK: Bad credit, or even no credit, is what attracts most people to payday loans. They don’t have to worry about credit checks or any of these verifications. In fact, taking out a payday loan will help your credit rating. These loans are recorded on your credit reports and can boost your credit score as long as you pay the loan on time.

How Does The Process Work?

You can either apply online or at your local payday office. Since the qualifications are simple, so is the application process. It takes about 20 minutes to fill out the application. From there the loan center will verify your information. Once this is done your application will generally be sent to a network of lenders. The payday lenders will send their offers back to the loan officer, and from there the officer will present all offers to your for a final selection.

Direct Lender: If you’re looking for a little quicker response time, then a direct lender would be your option. Direct lenders handle the process from beginning to end. Some people think these lenders offer better rates compared to the network, but in general the interest rates are comparable.

Interest Rates: Payday loans are considered “short term loans.” The interest rates are high because of the risk factor. This is one reason there are no credit checks – it’s because they compensate by bumping up the interest rates.

Getting Established

You never know when you might need quick cash, and this is where getting yourself established is a good idea. You can apply for a payday loan for as little as a few hundred dollars. We suggest you start here and pay the loan back in a few weeks per contract. Now you have established an account and can take out another loan for a higher amount. At this point you’re in good standing with the lender, and the next time you need a more substantial loan you’ll have no problem getting it.

As you can see it’s not that difficult getting a no credit check payday loan. Payday loans are great options when you need money fast, and you don’t have to worry about having bad credit. Don’t forget the other benefit – improving your credit score.

Find a loan company, put in an application, and get yourself established. Medical emergencies, your car breaks down, any number of things can happen, and knowing you can get money fast will put your mind at ease.